In Ontario the overarching rule is that insurance follows your vehicle not individual drivers.

Does insurance follow the car or the driver ontario. Auto Insurance - Its the Law. If someone borrowed your car and they are not listed as an occasional driver your insurance company will still cover the damages. The answer to whether car insurance covers the driver or the car is not black and white because there are parts of your car insurance policy that do follow you when you are driving someone elses car.

The driver will be required to meet the following qualifications. However if your friend or associate is a regular driver of your vehicle then you should add them to your insurance policy as a listed driver. The following are some options for cheap car insurance for first-time drivers in Ontario.

There are some cases when certain types of coverage do follow the driver too. A standard auto insurance policy follows the car not the driver. For example an occasional driver is most commonly a spouse who uses the vehicle to run errands or visit family on the weekend.

You will be penalised as an unsafe driver despite you not actually being the driver at the time. In general auto insurance follows the car instead of the driver but the specifics of a claim can differ since. That means that anyone with a valid license who drives your car is technically covered by your auto insurance policy.

Police look at traffic rule violations and determine guilt based on those. There are several considerations to this that are important to understand however. 19 rows The table below describes both mandatory and optional coverage available to Ontario.

The fault for Car Insurance Claims As mentioned above the fault is indeed assigned in car accidents. Many drivers believe that car insurance stays with them not with the car and if they lend their car to a friend it will be their friends insurance that will be affected if there is a collision. Ontario law requires that all motorists have auto insurance.